High Obamacare deductibles causing high consumer debt and impacting credit reports, 52 percent of all debt on credit reports from medical expenses, 3 in 5 Americans don’t have savings to cover unexpected bills

“The cost of health insurance will climb from a range of $61 to $77 monthly to a range of $118 to $133 monthly, according to a memo sent from UNC President Tom Ross to the UNC Board of Governors. On an annual basis, most students will pay about $500 to $700 more in 2012-13, depending on the campus.”

“Mallette said the insurance increases are due to the health care usage of UNC system students during the past couple of years, plus federal regulations on preventive care and pharmacy services issued in March. The process is complicated, he said, by the new provisions of the Affordable Care Act.”…Charlotte Observer May 1, 2012

“One of the CBO’s most intriguing estimates is that by 2017 there will be 2 million fewer full-time jobs on the market than there would have been without Obamacare, and that figure could climb to 2.5 million by 2024.”…Market Watch February 4, 2014

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

You have probably heard or read about the lying POC Obama bragging about the job he has done.

You are constantly bombarded by the Orwellian mainstream media about how much the economy has improved.

Yet most of you know, through your own personal experiences, finances or by the fate of those you know, that what you are being fed is a huge lie.

Reported at Citizen Wells on January 5, 2015.

“Millions of Americans have already been shocked by premium increases as large as 100 percent. Average increases in some states are 45 percent.

What you probably are not being told about is the hidden problem of high deductibles and the impact on the US economy. More people with higher deductibles will not be able to pay them and the hospitals and healthcare providers will have to absorb the costs and ultimately pass them on to the American public.

I was discussing this problem recently with a friend who owns a Tax/accounting business. He told me that recently he was at a seminar and heard a hospital administrator explain this very topic.

Do not be fooled by the Orwellian Obama controlled mainstream media as they attempt to cover for Obamacare and the economy.”

The changes come at a time when health care reform has increased the number of Americans with insurance. But even those with insurance are spending more for their own care thanks to the rise in high-deductible plans. These plans have lower premiums but require consumers to pay more before reimbursement kicks in.”

While the Affordable Care Act sets a limit on how much anyone buying insurance through the marketplace must pay in deductibles, co-pays and coinsurance, even that amount would strain many budgets. For 2015, it’s $6,600 for an individual plan and $13,200 for a family plan.”

“Hospital officials said the first year of the Affordable Care Act showed that a subsidized policy with high out-of-pocket costs isn’t always much better than no insurance – for patients or hospitals. Low-income people often chose the high-deductible plans with the lowest premium, then avoided or delayed care because they couldn’t cover the deductible.

In the past year, Stephen Burr, senior vice president of patient financial services for Carolinas HealthCare, said the system’s financial counselors noticed that more people are “really having trouble paying their bills.”

Charity care for uninsured patients rose from $224 million in 2012 to $324 million in 2013 at Carolinas HealthCare, Burr said. Bad debt – the amount left unpaid by patients who don’t qualify for charity care – rose from $243 million in 2012 to $290 million for 2013.

“Affordable coverage usually comes with high deductibles, and patients are now responsible for more of the costs,” Burr said. “The ones that have that insurance (may not have been) fully aware of just how much they’re on the hook to pay for.””

“While various CNBC anchors may be willing to say that the US is “growing gangbusters” yet again confusing the liquidity-oozing equity markets with the economy, there are a couple hundred million Americans who would bet to differ (which incidentally may also explain why the Comcast channel no longer wishes to have its viewership calculated by Nielsen): the reason is that according to the latest Bankrate survey released today, more than three in five Americans don’t have money in their savings accounts to cover any unexpected bills such as a $500 car repair or a $1,000 emergency room visit.

In fact, only 38% of respondents said they have enough funds in their bank accounts to cover even the most mundane of spending emergencies.. Most others would need to take on debt or cut back elsewhere.”

“The cost of health insurance will climb from a range of $61 to $77 monthly to a range of $118 to $133 monthly, according to a memo sent from UNC President Tom Ross to the UNC Board of Governors. On an annual basis, most students will pay about $500 to $700 more in 2012-13, depending on the campus.”

“Mallette said the insurance increases are due to the health care usage of UNC system students during the past couple of years, plus federal regulations on preventive care and pharmacy services issued in March. The process is complicated, he said, by the new provisions of the Affordable Care Act.”…Charlotte Observer May 1, 2012

“If you like your plan, you can keep it.”…Barack Obama

“millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama administration has known that for at least three years.”…NBC News October 29, 2013

The Washington Examiner article below warns of surprises to as many as 3.4 million tax filers of Obamacare subsidies that could impact their tax refunds.

That may be the good news.

Millions of Americans have already been shocked by premium increases as large as 100 percent. Average increases in some states are 45 percent.

What you probably are not being told about is the hidden problem of high deductibles and the impact on the US economy. More people with higher deductibles will not be able to pay them and the hospitals and healthcare providers will have to absorb the costs and ultimately pass them on to the American public.

I was discussing this problem recently with a friend who owns a Tax/accounting business. He told me that recently he was at a seminar and heard a hospital administrator explain this very topic.

Do not be fooled by the Orwellian Obama controlled mainstream media as they attempt to cover for Obamacare and the economy.

From Zero Hedge December 23, 2014.

“Fast forward to today when as every pundit is happy to report, the final estimate of Q3 GDP indeed rose by 5% (no really, just as we predicted), with a surge in personal consumption being the main driver of US growth in the June-September quarter. As noted before, between the second revision of the Q3 GDP number and its final print, Personal Consumption increased from 2.2% to 3.2% Q/Q, and ended up contributing 2.21% of the final 4.96% GDP amount, up from 1.51%.

So what did Americans supposedly spend so much more on compared to the previous revision released one month ago? Was it cars? Furnishings? Housing and Utilities? Recreational Goods and RVs? Or maybe nondurable goods and financial services?

Actually no. The answer, just as we predicted precisely 6 months ago is… well, just see for yourselves.

In short, two-thirds of the “boost” to final Q3 personal consumption came from, drumroll, the same Obamacare which initially was supposed to boost Q1 GDP until the “polar vortex” crashed the number so badly, the BEA decided to pull it completely and leave this “growth dry powder” for another quarter. That quarter was Q3.”

“As many as 3.4 million people who received Obamacare subsidies may owe refunds to the federal government, according to an estimate by a tax preparation firm.

H&R Block is estimating that as many as half of the 6.8 million people who received insurance premium subsidies under the Affordable Care Act benefited from subsidies that were too large, the Wall Street Journal reported Thursday.

“The ACA is going to result in more confusion for existing clients, and many taxpayers may well be very disappointed by getting less money and possibly even owing money,” the president of a tax preparation and education school told the Journal.

While the Affordable Care Act fines those who don’t have health insurance, it also provides subsidies for people making up to four times the federal poverty line ($46,680).

But the subsidies are based on past tax returns, so many people may be receiving too much, according to Vanderbilt University assistant professor John Graves, who projects the average subsidy is $208 too high, the Journal reports.

Tax preparers, who frequently advertise their ability to deliver big refunds, have been working feverishly to avoid customer anger stemming from lower-than-expected refunds due to insurance premiums. They also are trying to make sure customers understand the potential fines for not having insurance.”

“Eighty-five percent of our customers get a refund,” said Kathy Pickering, who directs the H&R Block Tax Institute, according to the Washington Post. “That refund could be offset by the penalty. And if that happens, they’re going to be understandably angry.”

Ebola body fluid threat mostly ignored, Indian man tested negative Ebola found in semen, Dr. Michael Oserholm we are making this up as we go, Virus likely has mutated, Murphy’s Law and mathematical probabilities

“Sooner or later someone in the US will come in contact with Ebola contagion & go undetected. They will then infect many others.”…Citizen Wells

“We are making this up as we go”…Dr. Michael Oserholm

“You can see that these doctors, who are highly trained people, got themselves infected,”
“So sending troops into an area, if they’re dealing one-on-one with a patient, they’re not going to be able to protect themselves very well. It’s not easy to [prevent transmission], because you get tired and you get careless and you make some simple mistakes. All it takes is one virus particle.”…Dr. Lee Hieb, former president of the Association of American Physicians and Surgeons

We have had the warnings from the mathematicians.

The possible numbers of Ebola victims worldwide and the US.

Do not forget Murphy’s Law.

“Anything that can go wrong will go wrong.”

It is true.

As I have stated before, there are 2 extremes of reactions to the Ebola Virus.

Panic and over confidence.

The responses so far have been closer to the latter.

From CNN November 19, 2014.

“An Ebola survivor has been quarantined in India after his semen tested positive for the virus, health officials there have announced.

The 26-year-old man, an Indian national, traveled to New Delhi from Liberia on November 10, almost two months after he was hospitalized in the West African nation after showing symptoms of the illness, India’s health ministry said in a statement.

He was released from the Liberian hospital on September 30 with documents declaring him free of clinical signs linked to Ebola, the ministry added.

As a precautionary measure, Indian authorities carried out tests on his body fluids, which confirmed traces of the virus in his semen, the statement said.

“The swiftly moving Ebola epidemic presents an immense challenge to unprepared national and global health systems, infectious disease expert Michael Osterholm said at an Ebola symposium Tuesday at the Johns Hopkins Bloomberg School of Public Health.

Osterholm, director of the Center for Infectious Disease Research and Policy at the University of Minnesota, is one of the leading public spokesmen on the Ebola epidemic, which has killed more than 4,300 in West Africa. Although he has reviewed hundreds of published papers on Ebola and briefs top government officials on the epidemic’s spread, Osterholm readily admits that he knows less today about the Ebola virus than he did nine months ago.

“Let’s acknowledge we’re making this up as we go and we have to become more comfortable with uncertainty,” said Osterholm, the keynote speaker at the event, titled “Dean’s Symposium on Ebola: Crisis, Context and Response.””

“At this stage in the epidemic, Osterholm said, the Ebola virus has the upper hand, and the global health community is playing catch-up.

“The virus is operating on virus time and the rest of us are operating on bureaucracy and program time, and the virus is winning hands down,” Osterholm told an audience of 350 in Sommer Hall and more than 2,500 following the live webcast.”

“As the Ebola crisis continues to unfold, Osterholm said he sees “lots of unexpecteds ahead of us.” He said he is convinced that a vaccine is the only hope of containing the outbreak but characterized the U.S. investment in vaccine research as “a drop in the bucket.”

“There’s a big disconnect between the work to get us there and getting it into somebody in Africa,” said Osterholm, at one point calling the Ebola outbreak “[The World Health Organization’s] 9/11.””

“If Ebola remains in semen of infected men, why were male Ebola victims in US ‘cleared’ as virus-free?”

“Every discharged male Ebola victim is still a public health threat

What this suggests is that Dr. Kent Brantly, Dr. Thomas Cairns and all the other male Ebola survivors are still a public health threat. If Ebola is still being detected in a male patient who was discharged as healthy nearly two months ago, then it is probably still present in these men, who have since returned home to their families.

The only reason this was even discovered is because the Indian man had recently attempted to fly back to New Delhi, upon which health officials in his native land decided to take extra precautionary measures. The man was reportedly “symptom-free,” yet tests revealed that he still had traces of the virus in his bodily fluids.

In fact, the Indian man had undergone three separate Ebola tests at the airport prior to flying, and all of them came back negative. But when he arrived in India, a follow-up test showed that Ebola was still present, proving both that Ebola tests are wildly inaccurate and that the virus is longer-lasting than we have all been led to believe.”

“Ebola clearly persists well beyond observable infection period

The CDC supposedly agrees with this, but you’ll be hard-pressed to find any information about this in the media prior to this recent revelation. Since we first began reporting on this outbreak, there has hardly been any mention in the mainstream media about the Ebola virus possibly persisting in bodily fluid for several months after a person is cleared as being a “survivor.” Natural News first reported on this possibility in early August.

This ironic failure seems to match the entire Ebola narrative, which has changed dramatically on numerous occasions since it first started gaining speed. In the beginning, we were all told that the only way to contract Ebola was to literally share blood with someone else. Now, we know that the virus can spread through surfaces and even through micro-droplets in the air.”

Brooklyn man with Ebola symptoms rushed to Bellevue, Returned from Mali November 14, Suffering from nausea chills and body aches

“Sooner or later someone in the US will come in contact with Ebola contagion & go undetected. They will then infect many others.”…Citizen Wells

“Barack Obama is endangering the children of the US and now our troops. Where is the outrage?”…Citizen Wells

“You can see that these doctors, who are highly trained people, got themselves infected,”
“So sending troops into an area, if they’re dealing one-on-one with a patient, they’re not going to be able to protect themselves very well. It’s not easy to [prevent transmission], because you get tired and you get careless and you make some simple mistakes. All it takes is one virus particle.”…Dr. Lee Hieb, former president of the Association of American Physicians and Surgeons

From the NY Post November 20, 2014.

“Brooklyn man rushed to Bellevue with Ebola-like symptoms”

“A Brooklyn man, who recently returned from West Africa, was rushed to Bellevue Hospital with Ebola-like symptoms Thursday, police sources said.

The man, whose name is being withheld by The Post, returned from Mali on Nov. 14, and came down with flu-like symptoms which are similar symptoms to those exhibited by patients suffering from Ebola, the sources said.

The patient had been suffering from nausea, chills, and body aches but when his condition continued to worsen, he called 911.”

New York city Ebola scene gloves masks dumped in public trash cans by police, Dr. Craig Spencer Harlem apartment, Ebola contracted in Guinea with Doctors With Borders

“Sooner or later someone in the US will come in contact with Ebola contagion & go undetected. They will then infect many others.”…Citizen Wells

“Barack Obama is endangering the children of the US and now our troops. Where is the outrage?”…Citizen Wells

“You can see that these doctors, who are highly trained people, got themselves infected,”
“So sending troops into an area, if they’re dealing one-on-one with a patient, they’re not going to be able to protect themselves very well. It’s not easy to [prevent transmission], because you get tired and you get careless and you make some simple mistakes. All it takes is one virus particle.”…Dr. Lee Hieb, former president of the Association of American Physicians and Surgeons

From the Mail Online October 24, 2014.

“Shocking moment bumbling cops leave Ebola doctor’s apartment and dump their protective gloves and masks in a sidewalk trash can

New York City police officers were sent to mark of Dr. Craig Spencer’s Harlem apartment building today
Spencer is the first confirmed patient with Ebola in the city
After the officers were done, they were seen throwing their gloves, masks and caution tape in a public trash can on the street”

“The photos and video, all shot before Spencer’s Ebola was actually confirmed, do not show whether these officers actually entered his building.

However, some are suggesting that for the sake of safety – not to mention public sanity – it would have made sense to discard of these masks and gloves and tape in a biohazard bag.”

“Barack Obama is endangering the children of the US and now our troops. Where is the outrage?”…Citizen Wells

“You can see that these doctors, who are highly trained people, got themselves infected,”
“So sending troops into an area, if they’re dealing one-on-one with a patient, they’re not going to be able to protect themselves very well. It’s not easy to [prevent transmission], because you get tired and you get careless and you make some simple mistakes. All it takes is one virus particle.”…Dr. Lee Hieb, former president of the Association of American Physicians and Surgeons

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

From Madison Press October 23, 2014.

“Threat to break isolation in Liberia over food

Dozens of people quarantined for Ebola monitoring in western Liberia are threatening to break out of isolation because they have no food, the West African nation’s state radio reported Thursday.

Forty-three people were put in quarantine after four people died of Ebola in Jenewonda, a town in an impoverished corner of Grand Cape Mount County near the Sierra Leone border, the Liberia Broadcasting System said.

It quoted those quarantined as saying that the U.N. World Food Program apparently has stopped providing food to people affected by Ebola in the area. A WFP press officer said he is looking into the claim.

Liberia is the hardest hit of three West African nations being ravaged by Ebola. The latest figures published Wednesday by the U.N. World Health Organization show the country has at least 4,665 infected people and 2,705 have died there. WHO says there probably are more ill people and deaths but the numbers are under-reported. Overall, the WHO says the disease has killed 4,877 people and infected 9,936, almost all in Liberia, Guinea and Sierra Leone.”

Ebola reality 101, Top scientist warning, This version of Ebola looks like a very different bug, Much we do not know, Obama and Frieden lies, Troops get 4 hours training gloves masks

“Barack Obama is endangering the children of the US and now our troops. Where is the outrage?”…Citizen Wells

“You can see that these doctors, who are highly trained people, got themselves infected,”
“So sending troops into an area, if they’re dealing one-on-one with a patient, they’re not going to be able to protect themselves very well. It’s not easy to [prevent transmission], because you get tired and you get careless and you make some simple mistakes. All it takes is one virus particle.”…Dr. Lee Hieb, former president of the Association of American Physicians and Surgeons

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

From Zero Hedge October 20, 2014.

“Top Scientist Warns This Version Of Ebola Looks Like “A Very Different Bug””

“Barack Obama and the head of the CDC need to quit saying that we know exactly how Ebola spreads. Because the truth is that there is much about this virus that we simply do not know. For example, a top Ebola scientist that is working in the heart of the outbreak in Liberia says that this version of Ebola looks like it could be “a very different bug” from past versions. Other leading scientists are echoing his concerns. And yet Barack Obama and Thomas Frieden continue to publicly proclaim that we know precisely how this virus behaves. Not only is that bad science, but it could also potentially result in the unnecessary deaths of a very large number of people. For example, Obama has refused to implement an Ebola travel ban because he is greatly underestimating the seriousness of this virus. This decision could turn out to be incredibly costly. If what you will read about below is true, we could be dealing with some sort of “super Ebola” that nobody has ever seen before.

Peter Jahrling of the National Institute of Allergy and Infectious Disease is on the front lines fighting this disease in Liberia. He is one of the top authorities in the world on Ebola, and what his team has been seeing under the microscope is incredibly sobering…

Now U.S. scientist Peter Jahrling of the National Institute of Allergy and Infectious Disease believes the current Ebola outbreak may be caused by an infection that spreads more easily than it did before.

Dr Jahrling explained that his team, who are working in the epicentre of the crisis in the Liberian capital of Monrovia, are seeing that the viral loads in Ebola patients are much higher than they are used to seeing.

He told Vox.com: ‘We are using tests now that weren’t using in the past, but there seems to be a belief that the virus load is higher in these patients [today] than what we have seen before. If true, that’s a very different bug.

‘I have a field team in Monrovia. They are running [tests]. They are telling me that viral loads are coming up very quickly and really high, higher than they are used to seeing.
‘It may be that the virus burns hotter and quicker.’

Other top scientists are making similar observations.”

“So when Barack Obama and Thomas Frieden get up and tell us that they know with 100% certainty that Ebola is not airborne, they are lying to you.

There is so much about this outbreak that we simply do not know.

Our public officials should be honest about that.

Instead, it seems like they are flying by the seats of their pants and just saying whatever they think will keep everyone calm.

We are potentially facing the greatest health crisis of this generation, and bad science and false assurances are not going to help anyone.

Sadly, Barack Obama just continues to make bad decision after bad decision. This includes his very foolish decision to send thousands of U.S. troops right into the heart of the Ebola death zone.

It is being reported that these troops are only going to get just four hours of Ebola training, and the Pentagon is saying that they “will only need gloves and masks” to protect themselves…”